NASDAQ$CCBG
Capital City Bank Group Inc · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
Capital City Bank Group's net income attributable to common shareowners increased to $11.7 million, or $0.68 per diluted share.
Capital City Bank Group, Inc. reported a solid fourth quarter with net income attributable to common shareowners of $11.7 million, or $0.68 per diluted share. The results were driven by strong growth in net interest income and loan growth, while noninterest income decreased due to lower mortgage banking revenues.
- Net interest income increased by 14% with net interest margin growing 45 basis points to 3.76%.
- Loan growth was strong at $179 million, or 7.6%.
- Credit quality metrics remained strong, but the credit loss provision increased due to loan growth.
- Noninterest income decreased by $1.9 million, or 8.5%, primarily due to lower mortgage banking revenues.
Headline financials
Revenue & EPS history
Capital City Bank · Revenue · Quarterly
$59.1M
Revenue by segment
Capital City Bank · $15.5M total across 4 segments · Q4 2022
- Deposit Fees$5.54M+4.5%35.8%
- Bank Card Fees$3.74M-3.3%24.2%
- Wealth Management Fees$3.65M-1.5%23.6%
- Other Noninterest Income$2.55M+27.7%16.5%
Forward guidance
Absent discrete items, we expect our annual effective tax rate to approximate 21%-22% in 2023.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2022
+0.4%
Avg return
Earnings day
+1.4%
Avg return
5 days after
+2.3%
Avg return
30 days after
58%
38 / 65 earnings
Positive
+8.8%
Q4 2023
Best reaction
-10.8%
Q4 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.1% | -1.5% | -0.8% | |
| Q4 2025 | -5.0% | -6.5% | -2.8% | |
| Q3 2025 | -1.8% | +0.9% | -2.4% | |
| Q2 2025 | -1.5% | -2.9% | +3.9% | |
| Q1 2025 | +3.7% | +5.7% | +11.5% | |
| Q4 2024 | -0.8% | -0.5% | -2.2% | |
| Q3 2024 | +2.9% | +0.3% | +12.0% | |
| Q2 2024 | +4.0% | +9.1% | -0.4% | |
| Q1 2024 | +0.3% | -0.3% | +2.3% | |
| Q4 2023 | +8.8% | +10.3% | -1.2% | |
| Q3 2023 | -8.3% | -4.9% | -7.7% | |
| Q2 2023 | -0.5% | -4.3% | -9.3% | |
| Q1 2023 | +4.1% | +7.4% | +5.2% | |
| Q4 2022 | -1.2% | -0.1% | +6.7% | |
| Q3 2022 | +2.1% | +3.3% | +4.4% | |
| Q2 2022 | +2.3% | +1.2% | +5.3% | |
| Q1 2022 | +4.0% | +3.1% | +6.8% | |
| Q4 2021 | +0.3% | +0.7% | -0.3% | |
| Q3 2021 | -0.8% | -0.4% | +6.7% | |
| Q2 2021 | +1.0% | +1.8% | -5.2% | |
| Q1 2021 | -0.7% | -0.8% | +3.4% | |
| Q4 2020 | -10.8% | -7.8% | +5.1% | |
| Q3 2020 | -0.6% | -1.2% | +14.1% | |
| Q2 2020 | +2.9% | +6.9% | +7.7% | |
| Q1 2020 | +6.3% | +21.1% | +6.2% | |
| Q4 2019 | +0.6% | +4.6% | -6.0% | |
| Q3 2019 | +1.4% | +2.0% | +2.3% | |
| Q2 2019 | +5.1% | +3.9% | +0.0% | |
| Q1 2019 | -3.2% | -2.8% | +0.1% | |
| Q4 2018 | +0.6% | +0.4% | +3.3% | |
| Q3 2018 | +0.8% | +4.3% | +10.7% | |
| Q2 2018 | -3.0% | -5.9% | -2.3% | |
| Q1 2018 | -3.8% | -5.2% | -7.6% | |
| Q4 2017 | -0.8% | -0.2% | +1.5% | |
| Q3 2017 | -0.9% | +5.4% | -1.6% | |
| Q2 2017 | +6.8% | +7.0% | +2.6% | |
| Q1 2017 | +0.5% | -1.3% | -10.2% | |
| Q4 2016 | +6.4% | +6.2% | +10.3% | |
| Q3 2016 | -1.0% | -2.5% | +25.8% | |
| Q2 2016 | -2.5% | -2.3% | -5.3% | |
| Q1 2016 | +2.8% | — | — | |
| Q4 2015 | +3.0% | — | — | |
| Q3 2015 | -1.4% | — | — | |
| Q2 2015 | +2.5% | — | — | |
| Q1 2015 | -4.8% | — | — | |
| Q4 2014 | -0.6% | — | — | |
| Q3 2014 | +5.1% | — | — | |
| Q2 2014 | +0.4% | — | — | |
| Q1 2014 | +0.8% | — | — | |
| Q4 2013 | +4.7% | — | — | |
| Q3 2013 | +0.3% | — | — | |
| Q2 2013 | +0.1% | — | — | |
| Q1 2013 | +1.0% | — | — | |
| Q4 2012 | -3.4% | — | — | |
| Q3 2012 | +0.5% | — | — | |
| Q2 2012 | -1.0% | — | — | |
| Q1 2011 | -7.3% | — | — | |
| Q1 2012 | +3.2% | — | — | |
| Q4 2009 | +0.8% | — | — | |
| Q4 2010 | +0.8% | — | — | |
| Q3 2010 | -3.3% | — | — | |
| Q3 2011 | -3.3% | — | — | |
| Q2 2011 | +3.5% | — | — | |
| Q2 2010 | +3.5% | — | — | |
| Q1 2010 | -0.2% | — | — |
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